Sukanya Samriddhi Yojana 2025: Secure Your Daughter’s Future with ₹5,000 Monthly Investment for Tax-Free ₹25 Lakh
The Sukanya Samriddhi Yojana (SSY) 2025 offers parents a golden opportunity to secure their daughter’s future. By investing ₹5,000 per month, you can accumulate up to ₹25 lakh tax-free over 21 years. This government-backed savings scheme ensures safe, guaranteed returns along with tax benefits under Section 80C.
What is Sukanya Samriddhi Yojana?
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Designed for girls below 10 years of age.
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Accounts can be opened in the name of parents or legal guardians.
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Available at post offices or authorized banks.
Investment and Interest Details
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Minimum deposit: ₹250 per year
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Maximum deposit: ₹1.5 lakh per year
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Account tenure: 21 years from account opening
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Deposit period: 15 years
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Interest rate: 8.2% per annum (as of October 2025)
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Tax benefits: Investment qualifies for 80C deduction, and both interest and maturity amount are tax-free
Projected Growth with ₹5,000 Monthly Investment
| Year | Annual Deposit | Estimated Balance |
|---|---|---|
| 1 | ₹60,000 | ₹64,800 |
| 5 | ₹60,000 | ₹3.6 lakh |
| 10 | ₹60,000 | ₹8.75 lakh |
| 15 | ₹60,000 | ₹19.8 lakh |
| 18 | ₹0 | ₹22.5 lakh |
| 21 | ₹0 | ₹24.5-25 lakh |
After 15 years of regular deposits, your savings continue to grow until maturity at 21 years.
Withdrawal Rules
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Full withdrawal is allowed after 21 years.
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Up to 50% withdrawal is allowed after 18 years for education or marriage expenses.
Benefits of Investing in SSY
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Government-backed security: 100% safe and guaranteed returns.
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Higher interest than FD or PPF: 8.2% per annum.
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Triple tax benefit: 80C deduction, tax-free interest, and tax-free maturity.
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Long-term wealth creation for your daughter’s education, marriage, or future needs.
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Small monthly contributions grow into a substantial corpus over time.
| Monthly Investment | Annual Deposit | 15-Year Total | 21-Year Maturity |
|---|---|---|---|
| ₹1,000 | ₹12,000 | ₹1.8 lakh | ₹4.8-5 lakh |
| ₹2,000 | ₹24,000 | ₹3.6 lakh | ₹9.6-10 lakh |
| ₹3,000 | ₹36,000 | ₹5.4 lakh | ₹14.5-15 lakh |
| ₹4,000 | ₹48,000 | ₹7.2 lakh | ₹19-20 lakh |
| ₹5,000 | ₹60,000 | ₹9 lakh | ₹24-25 lakh |
Starting early ensures that ₹5,000 monthly investment grows into a tax-free corpus of around ₹25 lakh by the time your daughter turns 21. SSY not only secures her future but also supports the “Beti Bachao, Beti Padhao” initiative.
